Best for
First-time and repeat buyers who want certainty before they write an offer.
- Fully underwritten pre-approvals
- Down payments from 3% (and 0% on eligible VA/USDA)
- Rate-lock strategy tied to your closing date
How the process works
We start with a 20-minute call and a documented income, asset, and credit review. From there you get a real payment range, a cash-to-close figure, and a pre-approval letter your agent can attach to an offer with confidence.
What it costs
Closing costs typically run 2%–5% of the purchase price, including lender fees, title, escrow, appraisal, and prepaid taxes and insurance. You'll see an itemized Loan Estimate within three business days of applying — no surprises at signing.
Timeline
Average loan closed in 15 days or less. Appraisal and full document turn times are the usual drivers, and we schedule both in the first 48 hours.